BlastPoint's Credit Union Scorecard
WAUNA
Charter #17990 · OR
WAUNA has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Fee Income Per Member: Top 4.8% in tier
- + Total Loans: Top 5.3% in tier
- + Total Deposits: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.41% below tier average
- - Efficiency ratio 5.27% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Asset Growth Rate: Bottom 3.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits -1.2% year over year ($359M in shares and deposits).
- Membership: 25,939 members, -2.1% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 0.45%.
- Efficiency ratio 82.00% vs a 76.73% peer average.
- Loan-to-share ratio 86.01% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,939
-2.1% YoY-3.1% QoQ
|
+10.8K |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Top 10.4% in tier |
| Assets |
$398.2M
-4.1% YoY-0.5% QoQ
|
+$166.2M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Top 11.4% in tier |
| Loans |
$309.0M
-0.8% YoY-0.6% QoQ
|
+$162.8M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 5.4% in tier |
| Deposits |
$359.3M
-1.2% YoY-0.5% QoQ
|
+$158.6M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Top 8.4% in tier |
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| ROA |
0.5%
-40.9% YoY+36.2% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.3%
+11.0% YoY+1.4% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 14.7% in tier |
| Efficiency Ratio |
82.0%
+4.2% YoY-2.1% QoQ
|
+5.3% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.8%
-19.1% YoY-20.5% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
86.0%
+0.4% YoY-0.0% QoQ
|
+14.5% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$25,765
+1.0% YoY+2.7% QoQ
|
+$659 |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
19.4%
-16.0% YoY-6.9% QoQ
|
-5.2% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
12.4%
-23.8% YoY-8.2% QoQ
|
-1.3% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)